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Credit is provided by Adelaide Bank, a Division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence Number 237879. This product is only available for Qantas Frequent Flyer members.

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Before we save your application.

We need some personal details.

Please provide the following information and we’ll send you an email with a link back to your application that will allow you to pick up where you left off.
By clicking SAVE, you consent to us storing your details so we can communicate with you about your application

You have an application in progress

Continue your application with the information you've already entered or if you'd like to update the information in your application, start over.

Before we save your application.

We need some personal details.

Please provide the following information and we’ll send you an email with a link back to your application that will allow you to pick up where you left off.

Manual uploads

We use Yodlee to link your accounts.

We get it, everyone’s financial situation is different so sometimes manually uploading docs is unavoidable.

Just know that going manual means that it will take a little bit longer for us to get back you, because our assessors will need to, manually review and assess your docs. We hope that’s OK.

The good news is, when we do contact you, your application will be assessed as much as possible, so try to be thorough to avoid any further delays.

Linking your accounts

We use Yodlee to link your accounts.

Tic Toc
Who is Yodlee?

Yodlee is a data aggregation service. They’re a US-based company who provide digital financial solutions for 35M+ paid users including financial institutions and technology innovators; including Xero, ANZ Money Manager and Personal Capital. 12 of the the 20 largest US banks trust Yodlee for their services.

What’s happening when we digitally validate your financials?

By entering your bank logins and linking all of your accounts, we can verify your financial information in a matter of minutes. The software is reading copies of your transactions, and we’re using this information to approve your home loan. Yodlee never see your credentials, and neither do we.

Why is this a safer, more secure option?

A home loan is serious business, and so is your security. Without getting repetitive we want to assure you that your credentials cannot be seen by Yodlee, or us. We use world-leading encrypted software that allows us to verify your stated income and expense without sifting through paperwork. When your financial validation has been completed, we then delete the information from our systems.

Pre-approval

Pre-approval is a full assessment and approval of your personal details and finances (including a credit check) - before you’ve found a property to purchase.

Pre-approval, provides you with an approved borrowing amount, based on your current circumstances. Then, once you’ve found a property, we’ll assess it - which will include a valuation - so you can progress to full approval. It's important to let us know if your situation changes in the meantime to ensure that the pre-approval remains valid.

If you have any questions along the way, please don’t hesitate to contact us.

Upfront Costs

Ensure you’ve considered all borrowing costs, including Government fees and charges, and settlement costs. For more information, read our Upfront Costs Guide.